A+ Stock Grade Summary:
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COMPANY SUMMARY
American Riviera Bancorp provides a range of community banking products and services for businesses and consumers in California. The company provides checking, savings, money market, and individual retirement accounts; and certificates of deposit. It offers various loan products, such as auto, boat/airplane, portfolio, fixed rate mortgage, jumbo, commercial real estate, lines of credit, agriculture, construction, and bridge loans; and long term financing, as well as asset-based and home equity loans. In addition, the company offers online banking, mobile banking, deposit capture, payment, collection, wire transfer, fraud control, business debit and credit card, merchant, lock box, digital wallet, and automated teller machines services. The company was founded in 2006 and is headquartered in Santa Barbara, California.
Financial Summary
| Share Statistics | ARBV | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $183.9 | $716.9 | 27% |
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| Shares Out (Mil) | 5.7 | 15.7 | 15% |
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| Institutional Ownership | 99.9% | 83.0% | 96% |
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| Float (Mil) | 4.2 | 21.2 | 10% |
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| Beta | 0.42 | 0.48 | 23% |
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| Avg Daily Volume (000s) | 1 | 53 | 4% |
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| Price Change (52-week) |
59.9% | 96.7% | 83% |
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| Growth | ARBV | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 8.6% | 7.6% | 53% |
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| Net Income (5yr) | 10.9% | 11.1% | 56% |
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| EPS (5yr) | 10.6% | 10.1% | 47 |
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| Dividends (5yr) | 0.0% | 3.6% | 0% |
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| Cash Flow (5yr) | 2.0% | (17.0%) | 66% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | ARBV | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $50 | $190 | 20% |
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| Net Income (TTM) (Mil) | $12 | $51 | 47% |
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| EPS (TTM) | $2.178 | $2.500 | 73% |
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| Operating Cash Flow (TTM) (Mil) | na | $34 | na |
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| Net Cash Flow (TTM) (Mil) | na | $1 | na |
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| Long-Term Debt (Q1) (Mil) | $20 | $100 | 33% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | ARBV | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.43 | 1.27 | 38% |
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| P/E | 14.7 | 12.9 | 35% |
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| Dividend Yield | 0.0% | 2.2% | 0% |
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| PEG (5yr hist) | 1.4 | 1.1 | 56% |
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| Ratios | ARBV | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 26.5% | 28.9% | 85% |
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| ROA | 0.9% | 1.0% | 45% |
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| ROE | 11.1% | 11.1% | 61% |
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| Liabilities to Assets | 90.7% | 89.8% | 87% |
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| F-Score | 1 | 4 | 1% |
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American Riviera Bancorp did not pass any screens on 7/31/2026.
